Be Ready When They Are

Chances are, you have plenty of time to save for your children's or grandchildren's education. After all, it could be 15 years or more until the money is needed. But have you factored in how much college will cost then? Tuition costs are skyrocketing, rising at a rate of approximately 6 percent a year!

The truth is, time is on your side now. By getting a head start, you will be taking one of the most valuable steps to ensuring a good future for your child, grandchild or other loved one.

Texas Tuition Promise Fund®

Lock in tomorrow's college tuition costs at Texas public colleges and universities at today's prices. The Texas prepaid tuition plan, the Texas Tuition Promise Fund®, will give you an important opportunity to prepay and save for your child's future education. The Texas Tuition Promise Fund, managed by NorthStar Financial Services Group, LLC, is
open to enrollment each year from Sept. 1 through Feb. 28 (29 in leap
years) and newborns can be enrolled from Sept. 1 to July 31. For more
information on the plan, please visit the Texas Tuition Promise Fund website.

Texas Match the Promise Foundation℠ Scholarships

The Texas Match the Promise Foundation℠ awards scholarships to fifth- through ninth-graders who are enrolled in the Texas Tuition Promise Fund. The foundation encourages families to save for college by supplementing their contributions to the plan. Eligible students can apply between Sept. 1 and Dec. 31. Visit the Match the Promise website for details on the scholarships, how to apply for the program or how to request approval to use scholarship benefits previously awarded.

Save Even More for College Expenses

The Texas College Savings Plan® is a qualified 529 savings plan offered through the state. Managed by Gemini Fund Services, LLC, an affiliate of NorthStar Financial Services Group, LLC, the plan offers 20 different investment portfolios, tax-free growth of your investment and tax-free withdrawals on earnings used for qualified higher education expenses. New applications and investments in the plan are accepted year-round.

Texas Guaranteed Tuition Plan (closed to new enrollment)

The Texas Guaranteed Tuition Plan (formerly the Texas Tomorrow Fund) was
developed to cover the cost of tomorrow's college tuition and required fees
at Texas public colleges and universities. NOTE: This plan is currently closed to new enrollment. Plan participants may view fund information and resources and log onto their accounts 24X7 on the Texas Guaranteed Tuition Plan website.

Notice to Texas Guaranteed Tuition Plan Purchasers: The Texas Guaranteed Tuition Plan is
backed by the full faith and credit of the state of Texas. The state will
honor all Texas Guaranteed Tuition Plan contracts
purchased to pay for your beneficiary's education at a state-funded school.

The pre-paid tuition and college savings plans do not guarantee acceptance at any college or university. Students must meet all normal admission requirements.